AI agents and product development for fintech and lending companies
Lenders, payment companies and insurtechs lose money in the gaps between systems: leads that go cold in minutes, KYC files that bounce.
Where the money leaks
Our Revenue Recovery Agent and inbound sales agent were designed for exactly these workflows; Quotarider's guardrail.
- Inbound loan and product enquiries need a reply in seconds, not hours
- KYC and onboarding documents fail on avoidable errors and get re-requested
- Collections are manual, inconsistent and hard to audit
- Reconciliation between payment rails, ledgers and bank statements runs late
- Every automated decision has to be explainable to a regulator
Six agents, each with a human gate and an audit trail.
Inbound lead qualification agent
Answers WhatsApp and phone enquiries instantly, checks basic eligibility, books the call.
KYC document agent
Checks submitted documents for completeness and consistency before a human sees them; requests corrections in one message.
Revenue Recovery Agent
Runs follow-up → escalation → recovery on overdue accounts with money-at-risk dashboards; humans approve every escalation.
Reconciliation agent
Matches gateway settlements, ledger entries and bank statements; posts only matched items, queues the rest.
Dispute & chargeback triage
Classifies incoming disputes, assembles evidence packs and drafts responses within the network deadlines.
Compliance reporting agent
Compiles periodic reports from source systems with every figure traceable to its origin.
Questions fintech and lending teams ask
AI agents for fintech · lending software development India · loan collections automation · KYC document automation · fintech product development company · payment reconciliation AI · NBFC software · WhatsApp lead qualification for lenders
Can agents make credit decisions?
No. Agents prepare, check and route; a person or your existing decision engine decides.
Do you work with NBFCs and regulated entities?
Yes. Data stays in your environment, access is least-privilege, and every action is logged with a rationale.
How fast can a collections agent go live?
A pilot on one portfolio segment is typically live in three to four weeks.
Fintech and Lending Software Development: Frequently Asked Questions
How can lenders automate KYC document checks?
Lenders automate KYC checks with an agent that reviews each submitted document for completeness, legibility and consistency with the application before a person sees it. When something is missing or mismatched, it requests the correction in one clear message. Your operations team then reviews files that are already complete. On XDQ AgentOS the agent prepares and routes only, and a person or your decision engine makes every approval.
How do you automate payment reconciliation across gateways and banks?
A reconciliation agent matches gateway settlements, ledger entries and bank statements, posts the items that agree and queues the rest with the difference explained. It handles fees, partial settlements and refunds according to your rules, and every match is logged for audit. Finance teams then work through a short exception list instead of full statements. A first version typically goes live in four to six weeks.
Can AI help manage disputes and chargebacks?
Yes, a dispute triage agent classifies incoming disputes, gathers transaction records and customer communication into an evidence pack, and drafts a response for a person to review before the network deadline. It tracks every case and its due date on one dashboard. The agent never submits on its own. This workflow usually takes four to five weeks, depending on how many processors and data sources need to be connected.
How do you make automated workflows explainable to a regulator?
We make workflows explainable by logging every input, rule and action with a plain-language rationale, and by keeping a person in charge of every decision that affects a customer. On XDQ AgentOS, reports and figures can be traced back to their source records. Access is least-privilege and data can stay inside your environment. Before launch we test the system for prompt injection and data leakage.
How much does fintech product development cost?
A single agent pilot for KYC, collections or reconciliation usually falls in the USD 5,000 to 20,000 band. A customer-facing lending or payments product with onboarding, dashboards and integrations typically sits between 20,000 and 50,000, and larger regulated platforms reach the 50,000 to 200,000 band. We quote a fixed price after a brief, and the code and IP transfer to you at handover.
Free courses for your industry
Sourced lessons on the rules, data and AI work that matter in your sector, written by XDQ Editors. Every lesson ends with a short quiz.
From USD 49 or INR 2,999 a month. A person approves every step.